[0001] 1. Field of the Invention
[0002] The present invention relates to a vehicle insurance premium calculation system that calculates the appropriate vehicle insurance premium by taking into account the maintenance and management status of the vehicle.
[0003] 2. Description of the Related Art
[0004] Related art, for example, includes a method and system for determining car insurance premiums based on the monitoring, recording, and communication of data showing the operating characteristics of the operator and vehicle as disclosed in Japanese Patent Application Laid-Open No. H11-515811. In this method and system, the insurance premium is adjusted retrospectively by linking operating characteristics to prescribed safety standards, and is then set for the future. This method includes a process that monitors a multiplicity of unprocessed data elements that show the actions of operators or how the car is being operated. Selected ones of these unprocessed data elements are recorded when it is determined that they have a prescribed relationship with a safety standard. Selected elements are combined so that any additional charge or discount that should be applied to the basic premium for car insurance can be specified when those elements are processed in an insurance company profile. The vehicle insurance premium is ultimately generated from the basic premium and any additional charges or discounts.
[0005] However, in the art described in the aforementioned publication, it has been difficult for a car insurance company to prove that a car has been properly maintained and serviced by a user (or driver) because the insurance premium is calculated based simply on information relating to the vehicle's operation and history of safety apparatus use. That is, it was not possible to calculate car insurance premiums that took into account whether or not components such as tires and brake pads, used to run a vehicle safely, have been serviced or maintained. This system aims to calculated appropriate vehicle insurance premiums by taking into account the maintenance and servicing history of the vehicle.
[0006] A first vehicle insurance premium calculation system comprises a usage status detection means that detects the usage status of a vehicle, a data input means through which data relating to vehicle servicing or maintenance is input, and an insurance premium calculation means that calculates vehicle insurance premiums based on the detection results and input data.
[0007] The usage status of a vehicle refers to the way in which a vehicle is operated by the driver or the installation status of equipment for protecting passengers. Thus, because the usage status of a vehicle is detected and vehicle insurance premiums are calculated to incorporate data relating to the vehicle maintenance and management, appropriate vehicle insurance premiums can be determined.
[0008] The first vehicle insurance premium calculation system can further comprise a display means that displays data relating to the calculated insurance premium.
[0009] Data relating to the calculated insurance premium is thus displayed and so the user (or driver) of a vehicle can be encouraged to drive safely, install safety equipment as appropriate, and properly maintain a vehicle.
[0010] The first vehicle insurance premium calculation system can further comprise an audio output means that outputs data relating to calculated insurance premiums by voice.
[0011] Data relating to the calculated insurance premium is thus output by voice and so the user (or driver) of a vehicle can be encouraged to drive safely, install safety equipment as appropriate, and properly maintain a vehicle.
[0012] A second vehicle insurance premium calculation system is a vehicle insurance premium calculation system comprising on-board apparatus, a maintenance data management means, and server apparatus. The onboard apparatus comprises a usage status detection means that detects the usage status of a vehicle, an on-board sending means that sends at least data relating to the detected usage status, an on-board reception means that receives at least data relating to insurance premiums, and an on-board display means that displays the received data. The maintenance data management means comprises a data input means that enters at least data relating to vehicle maintenance or management, and a data sending means that sends at least data relating to vehicle maintenance or management. The server apparatus comprises a reception means on the server side that receives data relating to the usage status and data relating to the maintenance or management of a vehicle, an insurance premium calculation means that calculates vehicle insurance premiums based on received data, and a sending means on the server side that sends data relating to the calculated insurance premiums to the on-board apparatus.
[0013] The usage status of a vehicle is thus detected and vehicle insurance premiums that incorporate data relating to vehicle maintenance or management are calculated. Therefore, appropriate vehicle insurance premiums can be determined.
[0014] A third vehicle insurance premium calculation system is a vehicle insurance premium calculation system that comprises on-board apparatus, a maintenance data management means, and server apparatus. The onboard apparatus comprises a usage status detection means that detects the usage status of a vehicle, an on-board input means that enters data relating to vehicle maintenance or management from the maintenance data management means, an insurance premium calculation means that calculates insurance premiums based on all detection results and data relating to vehicle maintenance or management, an on-board display means that displays data relating to calculated vehicle insurance premiums, and an on-board sending and reception means that sends at least data relating to the calculated vehicle insurance premiums. The maintenance data management means comprises a data input means that enters at least data relating to vehicle maintenance or management, and an output means that outputs at least data relating to vehicle maintenance or management. The server apparatus comprises a reception means on the server side that receives at least data relating to vehicle insurance premiums.
[0015] The vehicle usage status is thus detected and vehicle insurance premiums that incorporate data relating to vehicle maintenance and management are calculated. Therefore, suitable vehicle insurance premiums can be determined. Also, the insurance premiums calculated in the on-board apparatus can be managed by the server apparatus.
[0016] In any of the above vehicle insurance premium calculation systems, the insurance premium calculation means can be configured so that vehicle insurance premiums can be calculated in real time to suit fluctuations in data relating to detection results and vehicle maintenance or management data.
[0017] Vehicle insurance premiums are thus calculated in real time to match detection results and fluctuations in data relating to the maintenance or management of a vehicle and so users (or drivers) of that vehicle can always understand the changes to insurance premiums made based on fluctuations in data. That is, they can understand the increases in insurance premiums that result from unsafe driving or the decreases in insurance premiums that result from the proper installation of safety equipment. As a result, the user (or driver) of a vehicle can be encouraged to drive safely, properly install safety equipment, and properly maintain a vehicle.
[0018] In any of the above vehicle insurance premium calculation systems, the insurance premium calculation means can be configured to allow estimated vehicle insurance premiums to be calculated to suit detection results and fluctuations in the data relating to vehicle maintenance or management.
[0019] Estimated values for vehicle insurance premiums are thus calculated to suit detection results and fluctuations in data relating to vehicle maintenance or management. Therefore, each time estimated values are displayed, the user (or driver) of a vehicle can understand insurance premium estimates calculated based on data fluctuations. That is, they can understand any increase in insurance premium that results from unsafe driving or any decrease in insurance premium that results from the proper installation of safety equipment. As a result, the user (or driver) of a vehicle can be encouraged to drive safely, properly install safety equipment, and properly maintain a vehicle.
[0020] The on-board apparatus can also be configured to incorporate a usage status detection means that detects the usage status of a vehicle, a on-board sending means that sends at least data relating to the detected usage status, a on-board reception means that receives at least data relating to insurance premiums, and an onboard display means that displays the received data.
[0021] The usage status of a vehicle is thus detected and sent and data relating to insurance premiums calculated based on the sent data is displayed. Therefore, a user (or driver) of that vehicle can be encouraged to drive safely, properly install safety equipment, and properly maintain a vehicle.
[0022] One on-board apparatus can also be configured to incorporate a usage status detection means that detects the usage status of a vehicle, an on-board input means that enters data relating to the maintenance or management of a vehicle, an insurance premium calculation means that calculates the insurance premium for a vehicle based on detection results and data relating to the maintenance or management of the vehicle, and a on-board display means that displays data relating to the calculated vehicle insurance premiums.
[0023] The usage status of a vehicle is thus detected and the vehicle insurance premium, which incorporates data relating to vehicle maintenance or management, is calculated and so an appropriate vehicle insurance premium can be determined.
[0024] The server apparatus is configured to include a reception means on the server side that receives data relating to the usage status of a vehicle and data relating to the maintenance or management of a vehicle, an insurance premium calculation means that calculates the vehicle insurance premium based on received data, and a sending means on the server side that sends data relating to the calculated insurance premium.
[0025] Vehicle insurance premiums are thus calculated based on data relating to the usage status of a vehicle and data relating to the maintenance or management of the vehicle and so an appropriate vehicle insurance premium can be determined.
[0026] The vehicle insurance calculation method is configured to include a usage status detection process that detects the usage status of a vehicle, a data input process that enters data relating to vehicle maintenance or management, and an insurance premium calculation process that calculates vehicle insurance premiums based on detection results and input data.
[0027] The usage status of a vehicle is thus detected and a vehicle insurance premium, incorporating data relating to vehicle maintenance or management, is calculated and so an appropriate vehicle insurance premium can be determined.
[0028] The vehicle insurance premium calculation method can also include a display means that displays data relating to the calculated insurance premium.
[0029] Data relating to calculated insurance premiums is thus displayed and so a user (or driver) of that vehicle can be encouraged to drive safely, properly install safety equipment, and properly maintain a vehicle.
[0030] The vehicle insurance premium calculation method can also include a voice output process that outputs data relating to calculated insurance premiums by voice.
[0031] Data relating to calculated insurance premiums is thus output by voice and so a user (or driver) of that vehicle can be encouraged to drive safely, properly install safety equipment, and properly maintain a vehicle.
[0032] The vehicle insurance premium calculation system can also be configured with an operation status detection means that detects how a vehicle is being operated by a driver, an installation status detection means that detects the installation status of equipment for protecting passengers, an insurance premium calculation means that calculations vehicle insurance premiums based on the detection results, and a display means that displays the calculated vehicle insurance premiums for the driver.
[0033] This configuration detects how a vehicle is being operated by its driver and detects the installation status of equipment for protecting passengers. It then calculates vehicle insurance premiums based on the results of such detection. This enables appropriate vehicle insurance premiums to be determined. Also, the calculated vehicle insurance premiums are displayed on the display means and so a user (or driver) of that vehicle can be encouraged to drive safely and properly install safety equipment.
[0034] This vehicle insurance premium calculation system can further incorporate a maintenance and management status detection means that detects the maintenance and management of a vehicle. The insurance premium calculation means can also be configured to calculate vehicle insurance premiums that incorporate the detected vehicle maintenance or management status.
[0035] Vehicle insurance premiums that incorporate data relating to vehicle maintenance or management are thus calculated and so appropriate vehicle insurance premiums can be determined. That is, maintenance of a vehicle, for example ensuring vehicle oils, tires, and brake pads are kept in good condition, is necessary to ensure that a vehicle runs safely and therefore appropriate insurance premiums can be determined by reflecting a vehicle's maintenance and management status in the insurance premiums. As a result, a user (or driver) of that vehicle can be encouraged to properly maintain a vehicle.
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[0046] The embodiments of the present invention will be explained below with reference to diagrams. In the vehicle insurance premium calculation system according to the present invention, items, mainly including people, objects, passengers, and vehicles, are considered to be the subject of insurance. The insurance is not limited to the type of “vehicle insurance” that applies only to damage to the vehicle body. In the embodiment that follow, the vehicle insurance premium calculation system according to the present invention is explained using an example of a car. However, the present invention is not limited to use with cars.
[0047] (First Embodiment)
[0048]
[0049] A contract repair factory
[0050] Car insurance company
[0051] The user of car
[0052]
[0053] The on-board apparatus
[0054] The operating status detection means
[0055] The installation status detection means
[0056] Data collected by the operating status detection means
[0057] The display means
[0058] The on-board control part
[0059] The contract repair factory
[0060] The inspection information input means
[0061] Server apparatus
[0062] The car insurance premium calculated by insurance premium calculation means
[0063] Next, the operations in a car insurance premium calculation system according to the first embodiment as configured above will be explained.
[0064] In step S
[0065] In step S
[0066] Next, the on-board control part
[0067] Next, collection of information in the contract repair factory
[0068] In the server apparatus
[0069] Next, the operation in which the server apparatus
[0070] Next, the insurance premium calculation part
[0071] Also, the insurance premium can be calculated in real time as the data collected from the on-board apparatus
[0072] The insurance premium calculation means
[0073] When the insurance premium calculation means
[0074]
[0075] Estimated values for car insurance premiums are thus calculated to suit detection results and any changes in data relating to car maintenance or management. Therefore, each time estimated values are displayed, the user of that car can understand that estimated insurance premiums are calculated based on changes in data. That is, the user can understand an increase in insurance applied because of unsafe driving and a discount applied when safety equipment is properly installed. As a result, the user of that car is encouraged to drive safely, properly install safety equipment, and properly maintain the car.
[0076]
[0077] In
[0078] Also, in step ST
[0079] When a movie is displayed, the voice output means
[0080] Thus, not only is information provided visually in the display means
[0081] As described above, the car insurance premium calculation system according to the first embodiment of the present invention enables detection of the way in which a user operates car
[0082] In the first embodiment, an example in which the on-board apparatus
[0083] Also, maintenance data management means
[0084] (Second Embodiment)
[0085]
[0086] Next, the operations of a car insurance premium calculation system according to the second embodiment as configured above will be explained. As in the first embodiment, the on-board control part
[0087] At the contract repair factory
[0088] Data collected in the contract repair factory
[0089]
[0090] Also, the on-board input means
[0091] Insurance premium calculation means
[0092]
[0093] When the current insurance premium is calculated by insurance premium calculation means
[0094] Thus, the car insurance premium calculation system, according to this second embodiment, detects the way in which car
[0095] In the example described in the explanation of the second embodiment, the calculated car insurance premiums are sent from the on-board apparatus
[0096] Furthermore, by providing an insurance calculation means that calculates car insurance premiums in the server apparatus